For Advantage Account or Manulife One questions

For ManulifeMONEY+ Visa questions

Manulife Bank is a member of the Canada Deposit Insurance Corporation (CDIC).

*Trademark of Visa Int., used under license.

2 2.85% promotional rate is for a new personal, non-registered, Canadian-dollar Advantage Account. The promotional interest rate is made up of the regular posted annual variable interest rate of 1.25% and the variable annual promotional rate of 1.60%. Interest is calculated daily and paid monthly on net new deposits for the first 150 days (5 months) after account opening to a maximum of $100,000. Any change to the regular interest rate will result in a corresponding change to the promotional interest rate. The offer is limited to one account per client and cannot be combined with other offers. The offer and rates are as of July 26, 2019 and subject to change without notice. Click here for full Terms and Conditions and for our current rates visit manulifebank.ca/rates.

3 1.25%: Interest is calculated on the closing daily balance and paid monthly. Rate as of July 26, 2019. Rate is subject to change without notice. View our current rates for more details.

4 Free Banking with minimum balance: Everyday banking fees for ABM cash withdrawals, Interac direct payments (debit), Interac e-Transfer and bill payments are waived when the account balance is $1,000 or more. All other everyday withdrawal and deposit transactions are free at any balance. Other convenience fees may apply to withdrawals made at ABMs that are not part of THE EXCHANGE® Network. Visit manulifebank.ca for additional details.

The Interac logo and Interac e-Transfer are registered trade-marks of Interac Corp. used under license. THE EXCHANGE® is a registered trademark owned by Fiserv Inc., licensed for use in Canada by FICANEX Services Limited Partnership. Manulife Bank of Canada is an authorized user of the mark.

ManulifeMONEY+ Visa Infinite Card

Visa Infinite – General Terms & Conditions: you must be an eligible Visa Infinite cardholder with a valid Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Discounts and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Visa reserves the right to modify or cancel offers at any time and without notice. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. All offers, benefits and services are subject to complete terms and conditions, including third-party suppliers' terms and conditions. The Visa Infinite privacy policy applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection, use and disclosure of cardholders' personal information by third-party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties' own privacy policies.

5 Travel Insurance Coverage: Insurance is underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company, a wholly owned subsidiary of Manulife, P.O. Box 670 Stn Waterloo, ON, N2J 4B8.

6 Fees and interest charges: Annual card fee of $99 will be waived in the first year only based on your account opening date. 19.99% Purchase Rate; 22.99% Balance Transfer and Cash Advance Rate.

7 10% cash back on grocery spend for first 3 statements: You will earn a bonus of an additional 7% cash back, for a total of 10% cash back on the first $2,500 in purchases at merchants classified in the Visa network as Grocery Stores & Supermarkets (Merchant Code: 5411) when those purchases are posted to your account beginning on your account opening date and ending three statements after your account opening date. Purchases may take a few days or more to post to your account depending on the merchant. Purchases made but not yet posted within the three-statement promotional period are not eligible for the bonus. You will earn regular cash back of 3% on purchases at merchants classified as Grocery Stores & Supermarkets after the three-statement promotional period. All other terms of the Manulife Bank Rewards Terms and Conditions that apply to your account continue to apply during this promotional offer. Offer may be changed or extended and cannot be combined with any other offer.

8 Cash back: You will earn 3% cash back on the first $25,000 you spend annually at merchants classified in the Visa network as Grocery Stores & Supermarkets (Merchant Code: 5411). You will earn 2% cash back on the first $25,000 you spend annually at merchants classified in the Visa network as Hotels, Airlines, or Cruise Lines (Merchant Code: 3000-3298, 3501-3833, 3835, 4411, 4511, 4722, 7011, 7012). All other purchases earn 1% cash back. The $25,000 annual spending limits will reset to zero on each anniversary of the date you opened your credit card account. Terms, conditions and eligible merchants/merchant categories may change without notice. Cash back is earned on card purchases less returns and not on cash advances, interest, fees, service/transaction charges, balance transfers and payments.

ManulifeMONEY+ Visa Platinum Card

9 5% cash back on grocery spend for first 3 statements: You will earn a bonus of an additional 3% cash back, for a total of 5% cash back on the first $2,000 in purchases at merchants classified in the Visa network as Grocery Stores & Supermarkets (Merchant Code: 5411) when those purchases are posted to your account beginning on your account opening date and ending three statements after your account opening date. Purchases may take a few days or more to post to your account depending on the merchant. Purchases made but not yet posted within the three-statement promotional period are not eligible for the bonus. You will earn regular cash back of 2% on purchases at merchants classified as Grocery Stores & Supermarkets after the three-statement promotional period. All other terms of the Manulife Bank Rewards Terms and Conditions that apply to your account continue to apply during this promotional offer. Offer may be changed or extended and cannot be combined with any other offer.

10 Cash back: You will earn 2% cash back on the first $15,000 you spend annually at merchants classified in the Visa network as Grocery Stores & Supermarkets (Merchant Code: 5411). All other purchases earn 1% cash back. The $15,000 annual spending limit will reset to zero on each anniversary of the date you opened your credit card account. Terms, conditions and eligible merchants/merchant categories may change without notice. Cash back is earned on card purchases less returns and not on cash advances, interest, fees, service/transaction charges, balance transfers and payments.

Manulife One

Get out of debt sooner: A sample calculation on how Manulife One works can be found here.

11 Cash back offer: To qualify for the $1000 cash back, you must:

Have a minimum initial borrowing amount of $100,000 at the time your account funds.

Open a new Manulife One account in the first-position (primary lien on the property).

Not eligible are:

Manulife One accounts opened in a “second position”, where it is not the primary lien on the property;

All promotions are subject to the general terms and operating agreement of your Manulife One account. Promotions and offers may change or be withdrawn at any time without notice. If the mortgage is discharged, refinanced, ported or transferred from Manulife Bank within two (2) years of funding for any reason, you must repay the entire $1,000 cash back amount to Manulife Bank. Limit one cash back offer per mortgage term; offer cannot be combined with any other bonus or offer. Other conditions may apply; ask for details.

12 Mortgage set up fee: Property appraisal costs may be covered when you setup a new mortgage with Manulife Bank. Manulife Bank covers the lender title insurance fees involved in switching to a Manulife One account when you use our title insurance program. This does not apply to purchase transactions. Ask your Manulife Bank representative for details (excludes any penalties or discharge fees).